Mid-Southern Bancorp Long-Term Debt 2011-2026 | MSVB

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Mid-Southern Bancorp

2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	11 M	10 M	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
11 M	10 M	10.5 M

Quarterly Long-Term Debt Mid-Southern Bancorp

2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	-	-	-	-	-	16.2 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
16.2 M	16.2 M	16.2 M

Long-Term Debt of other stocks in the Banks regional industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
BOK Financial Corporation BOKF	4.63 B	$ 129.89	1.02 %	$ 8.13 B	USA
Camden National Corporation CAC	69.1 M	$ 49.0	1.6 %	$ 828 M	USA
Signature Bank SBNY	3.67 B	-	-	$ 4.41 B	USA
Atlantic Capital Bancshares ACBI	73.8 M	-	-1.48 %	$ 566 M	USA
Allegiance Bancshares ABTX	264 M	-	-0.86 %	$ 1.51 B	USA
First Midwest Bancorp, Inc. FMBI	1.64 B	-	-1.2 %	$ 2.26 B	USA
Customers Bancorp CUBI	1.15 B	$ 71.7	1.83 %	$ 2.32 B	USA
CVB Financial Corp. CVBF	46.5 M	$ 19.74	0.41 %	$ 2.7 B	USA
Community West Bancshares CWBC	65 M	$ 23.32	0.65 %	$ 203 M	USA
American National Bankshares AMNB	35.5 M	-	-	$ 508 M	USA
Bancolombia S.A. CIB	30.9 T	$ 72.78	0.85 %	$ 13.9 B	Colombia
Deutsche Bank Aktiengesellschaft DB	153 B	$ 30.06	0.97 %	$ 22.4 B	Germany
Dime Community Bancshares DCOM	1.32 B	$ 34.41	0.56 %	$ 1.48 B	USA
Dime Community Bancshares DCOMP	1.32 B	$ 18.51	-	$ 796 M	USA
Popular BPOP	1.1 B	$ 139.9	2.26 %	$ 9.46 B	USA
Eagle Bancorp Montana EBMT	44.4 M	$ 21.35	2.1 %	$ 167 M	USA
Cadence Bancorporation CADE	373 M	-	-	$ 5.43 B	USA
Equity Bancshares EQBK	443 M	$ 44.93	0.51 %	$ 822 M	USA
BankFinancial Corporation BFIN	4 M	-	-	$ 151 M	USA
Auburn National Bancorporation AUBN	3.22 M	$ 23.41	0.96 %	$ 81.8 M	USA
Esquire Financial Holdings ESQ	86 K	$ 109.39	0.4 %	$ 882 M	USA
Banco BBVA Argentina S.A. BBAR	1.17 B	$ 15.9	-0.69 %	$ 450 B	Argentina
First Business Financial Services FBIZ	329 M	$ 55.96	1.4 %	$ 457 M	USA
FB Financial Corporation FBK	213 M	$ 53.67	0.49 %	$ 2.67 B	USA
First Bancorp FBNC	74.6 M	$ 56.28	0.73 %	$ 2.32 B	USA
First BanCorp. FBP	562 M	$ 22.03	1.33 %	$ 3.63 B	Puerto-rico
First Capital FCAP	10 M	$ 50.22	0.32 %	$ 168 M	USA
Fidelity D & D Bancorp FDBC	15 M	$ 43.7	0.09 %	$ 252 M	USA
First Financial Bancorp. FFBC	514 M	$ 28.59	1.82 %	$ 2.72 B	USA
Flushing Financial Corporation FFIC	1.24 B	$ 15.77	1.22 %	$ 535 M	USA
First Financial Bankshares FFIN	430 M	$ 30.39	1.37 %	$ 4.35 B	USA
First Guaranty Bancshares FGBI	179 M	$ 9.6	6.57 %	$ 134 M	USA
First Hawaiian FHB	200 M	$ 25.51	1.84 %	$ 3.26 B	USA
First Horizon Corporation FHN	745 M	$ 23.28	0.43 %	$ 12.6 B	USA
Financial Institutions FISI	194 M	$ 32.77	1.71 %	$ 659 M	USA
F.N.B. Corporation FNB	1.9 B	$ 17.08	1.3 %	$ 6.16 B	USA
Banco Bradesco S.A. BBDO	213 B	$ 3.38	0.1 %	$ 13.1 M	Brasil
Franklin Financial Services Corporation FRAF	155 K	$ 53.04	2.65 %	$ 237 M	USA
First Bank FRBA	191 M	$ 16.37	1.17 %	$ 326 M	USA
Citizens Holding Company CIZN	18 M	-	-5.65 %	$ 49.5 M	USA
First Merchants Corporation FRME	490 M	$ 39.98	1.39 %	$ 2.3 B	USA
First Seacoast Bancorp FSEA	34.1 M	$ 12.7	0.59 %	$ 73.2 M	USA
Spirit of Texas Bancshares, Inc. STXB	92.2 M	-	-0.23 %	$ 446 M	USA
People's United Financial, Inc. PBCT	1.02 B	-	-	$ 8.34 B	USA
Fulton Financial Corporation FULT	882 M	$ 20.77	1.17 %	$ 3.77 B	USA
First United Corporation FUNC	95.9 M	$ 37.38	0.97 %	$ 243 M	USA
First US Bancshares FUSB	10.8 M	$ 15.52	0.78 %	$ 92.6 M	USA
Brookline Bancorp BRKL	1.52 B	-	-	$ 974 M	USA
FVCBankcorp FVCB	44.1 M	$ 15.27	0.39 %	$ 277 M	USA